Are volunteers covered under workers compensation?
Authorized volunteers at any state agency are provided coverage for medical benefits only, if they are injured within the course and scope of their duties as assigned by the agency. Since they are not receiving compensation, they would not qualify for the weekly wage portion of the benefits. Documentation of a volunteer’s personal information, duties while at the agency, and name of supervisor is important.
Automobile insurance through ORM would not be primary coverage on personal vehicles. ORM provides excess liability coverage over the limits carried on the personal vehicle, only while the vehicle is being used on State business. ORM also provides up to $1,000 deductible reimbursement on collision losses when the personal vehicle is being used on State business. See Insurance Information Notice 98-2.
The State Travel Regulations PPM 49 establishes the rules for non-State employees riding in or driving State vehicles. http://doa.louisiana.gov/osp/travel/travelpolicy.htm
When an automobile dealership provides a vehicle to a State agency, or often a State employee, to use at no charge, ORM refers to these as 'courtesy vehicles'. If the vehicle is used strictly for State business, then ORM can provide complete insurance coverage on the vehicle for the term that it is in the State agency's possession. If the vehicle is given to a specific employee to use at his or her discretion (business use as well as personal use), then it is the responsibility of the individual employee to retain insurance coverage on that vehicle just as if it were a personal vehicle. The employee should notify his/her automobile insurance carrier that the vehicle is being used for business. ORM would then provide excess liability coverage over and above those primary limits when the vehicle has an accident on State business only.
Proof of insurance can be found at http://doa.louisiana.gov/ORM/Index.htm (and choose Proof of Insurance for State Vehicles) and should be placed in each State vehicle.
The Underwriting unit at ORM processes requests for certificates of insurance. The request must be made in writing and can be mailed, emailed, or faxed. Although the information needed can vary widely, please include at least the following info in your request:
Please refer to Insurance Information Notice 97-3. Students interning as part of their course curriculum are not provided coverage under the State’s Workers Compensation policy for their own bodily injuries, but will be provided general liability and/or medical malpractice liability if they cause injury or property damage to someone else. Any special contracts or situations that may seem out of the ordinary should be reviewed by ORM.
Procedures for adding new building structures and/or movable property can be found in the property section of the Exposure Reporting Manual. The UND-1, UND-2, UND-4.1, UND-4.2 and UND-4.3 forms can be found here: http://doa.louisiana.gov/orm/uwexpman.htm
All State employees are automatically provided bond coverage upon hire, whether or not their specific position handles money, and if they have never committed any dishonest acts. Bond coverage will not apply to the employee who, in the past, has been involved in dishonest acts involving money or property, whether on or off the job. ORM can assist the agency in analyzing special cases.
Bond coverage applies to thefts and fraudulent acts made by State employees against their agencies. Crime coverage applies when a third-party enters a property by force and steals money or property.
Approximately every other year, ORM will send a contact name request form to each agency. These names are then entered into a database to be used for contacting an agency by telephone or email when necessary and mailing insurance invoices, special claims reports, etc. It is important that the names ORM has on file are current. If your agency's address changes or a key person leaves the agency, it is your responsibility to contact us to provide the new information. Please call (225) 342-8498 or email Kristy.Breaux@la.gov.
How do I know what insurance provisions are acceptable in agency contracts?
The Underwriting unit can review contract language and make recommendations regarding the language. We have published a manual to assist agency personnel in reviewing and drafting insurance requirements in their contracts: http://doa.louisiana.gov/orm/word/uwcontr.doc. If your agency is involved in a cooperative endeavor agreement, please contact both ORM and the Office of Contractual Review (OCR) before it is executed. Please call ORM at (225) 342-8472 or email Mark.Joseph@la.gov. The link to OCR’s website is http://doa.louisiana.gov/OCR/index.htm.